FFL-aware processing without the quiet de-banking.
Direct merchant accounts with banks that openly serve FFL retailers, ammunition, and accessories without terminating you for the vertical.
Firearms retailers get terminated by aggregators routinely, often without warning and with funds held for weeks. The card brands periodically scrutinize firearms processing under their high-risk programs, and Mastercard's MCC 5723 (gun shops) was at the center of the 2022-2024 firearms-MCC controversy. We place you with banks that openly serve FFL holders and accessory retailers, configure FFL-aware workflows for online sales, and structure your account so card-brand reviews don't blow up your processing relationship.
Card brands periodically review firearms processing under their high-risk programs. The 2022-2024 firearms MCC controversy ended with the brands not implementing tracking, but scrutiny continues. We place you with banks that have stable historical relationships with the firearms vertical and structure your account to minimize review risk.
Online firearms sales require FFL transfer to a receiving dealer. We integrate with the major firearms-friendly POS and ecommerce platforms (Gunbroker, AmmoReady, Coreware) that handle FFL ID capture, NICS coordination, and shipping rules.
Yes. Tokenized recurring billing supports payment plans, and we can configure deposit-plus-balance flows for in-store layaway. Standard practice in the vertical for high-ticket items like long guns and competition pistols.